US11120518B2ActiveUtilityA1

Pre-authorisation and pre-authentication method for utilizing mobility services

Assignee: MASTERCARD INTERNATIONAL INCPriority: Jun 18, 2018Filed: Jun 17, 2019Granted: Sep 14, 2021
Est. expiryJun 18, 2038(~11.9 yrs left)· nominal 20-yr term from priority
G06Q 20/02G06Q 30/0619G07F 17/0057G06Q 20/145G06Q 20/40145G06Q 30/0613G06Q 20/0855G06F 21/32G06Q 20/40G06Q 20/127G06Q 20/4012G06Q 50/265G06Q 20/4037G06Q 20/403G06Q 50/30G06Q 50/40
42
PatentIndex Score
0
Cited by
10
References
15
Claims

Abstract

A computer-implemented method is provided for authorizing utilization of a mobility service by a user. The method includes establishing a mobility database with an arbiter, wherein the database is associated with the user and includes biographic data, payment data and identification data, and wherein the identification data represents a legal form of identification issued to the user and the payment data represents a form of payment; validating the form of payment and the legal form of identification; requesting, by the user, utilization of the mobility service from a mobility operator; authenticating, by the user, to the mobility operator; requesting authorization to use the mobility service; and providing an authorization if: (a) the payment data represents sufficient funds to pay for the mobility service, and (b) the identification data represents a legal form of identification required for the mobility service.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
       1. A computer-implemented method for authorizing utilization of a mobility service by a user, the method comprising:
 establishing a mobility database with an arbiter, the database associated with the user and comprising biographic data, payment data and identification data, wherein the identification data represents a legal form of identification issued to the user, and wherein the payment data represents a form of payment; 
 validating, by a computing device associated with the arbiter, the form of payment and the legal form of identification; 
 receiving, at the computing device, a request by the mobility operator to authorize utilization of the mobility service by the user in connection with a request, by the user, to utilize said mobility service; and 
 providing, by the computing device, in response to the request, an authorization when:
 the payment data represents sufficient funds to pay for the mobility service, and 
 the identification data represents a legal form of identification required for the mobility service. 
 
 
     
     
       2. The computer-implemented method according to  claim 1 , wherein the legal form of identification issued to the user is selected from the group consisting of:
 a legal license issued to the user to operate a vehicle; 
 a travel document issued to the user by a government; 
 a national identification issued to the user by a government; 
 a military identification issued to the user by a government; 
 a residence permit issued to the user by a government; 
 a birth certificate issued by a government; 
 a social security card issued to the user by a government; and 
 any combination thereof. 
 
     
     
       3. The computer-implemented method according to  claim 1  further comprising, in connection with providing authorization, providing, by the computing device, a copy of the identification data to the mobility operator. 
     
     
       4. The computer-implemented method according to  claim 1 , wherein the mobility database further comprises permit data representing a legal license issued to the user to operate a vehicle; and
 wherein the method further comprises:
 validating, by the computing device, the legal license; and 
 providing the authorization when, further, the permit data represents a legal license required by the mobility operator for the mobility service. 
 
 
     
     
       5. The computer-implemented method according to  claim 4 , further comprising, in connection with providing authorization, providing, by the computing device, a copy of the permit data to the mobility operator. 
     
     
       6. The computer-implemented method according to  claim 4 , wherein the vehicle is motorized, human-powered, animal-powered, autonomous or any combination thereof. 
     
     
       7. The computer-implemented method according to  claim 1  further comprising:
 checking, by the computing device, that the data in the mobility database complies with one or more additional requirement; and 
 refusing, by the computing device, the authorization when the one or more additional requirement is not complied with. 
 
     
     
       8. The computer-implemented method according to  claim 7 , wherein the one or more additional requirement is selected from the group consisting of the form of identification, the age of the user, the address of the user, the nationality of the user, the country of residence of the user, the expiry date of the form of identification, a correct form of insurance, a valid form of insurance, a minimum user rating, a minimum amount of previous usage, a minimum duration since the establishing of the relationship of the user with the arbiter, and any combination thereof. 
     
     
       9. The computer-implemented method according to  claim 1 , wherein the mobility database further comprises rating data; and
 wherein the method further comprises:
 receiving, from one or more mobility operators, the rating data; and 
 checking, by the computing device, that the rating data complies with one or more additional requirement, the one or more additional requirement including a minimum rating of the user. 
 
 
     
     
       10. The computer-implemented method according to  claim 1 , wherein the mobility database further comprises service usage data; and
 wherein the method further comprises receiving, from one or more mobility operators, the service usage data. 
 
     
     
       11. The computer-implemented method according to  claim 1 , further comprising authenticating the user to the mobility operator based on data selected from the group consisting of a user name, an email address, a password, a pass phrase, a PIN, a challenge response, a security question, a QR code, a signature, a biometric identifier, a fingerprint, a security token, a software token, a hardware token, a voice scan, a face scan, a photograph of the user, and any combination thereof. 
     
     
       12. The computer-implemented method according to  claim 11 , wherein establishing the mobility database and validating the form of payment and the legal form of identification include establishing the mobility database and validating the form of payment and the legal form of identification before authenticating the user to the mobility operator. 
     
     
       13. The computer-implemented method according to  claim 12 , wherein validating the form of payment and the legal form of identification includes validating the form of payment and the legal form of identification at least several minutes before authenticating the user to the mobility operator. 
     
     
       14. The computer-implemented method according to  claim 12 , wherein establishing the mobility database includes establishing the mobility database at least several minutes before authenticating the user to the mobility operator. 
     
     
       15. The computer-implemented method according to  claim 1 , further comprising, in connection with providing of authorization, providing, by the computing device, a copy of the payment data to the mobility operator.

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